Question
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
There was a parking spot near where the gate extends to and I parked too close. When the door opened, it bent the edge of my drivers side door. Should I call insurance or have a body shop give me a estimate? Will the company pay for the damages? The damages aren't too bad but I would like to get it fixed.
Answer
It's unlikely the company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. Especially because this type of claim would be considered a collision claim, which can impact your premium going forward. If the damages aren't too expensive, you're probably better off paying for it out of pocket.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.